Personal circumstances

1. How many dependents do you have (spouse, children, parents)?
   

   	None
   	1 - 3
   	4 - 6
   	More than 6

   
   

2. How much of your gross monthly income goes towards settling debt instalment payments (mortgage, car loan, credit card)?
   

   	Less than 20%
   	20 - 40%
   	40 - 60%
   	More than 60%

   
   

3. Do you require regular income? If yes, how much?
   

   	No
   	Yes. Equivalent of 50% of interest earned if all my savings were in a savings account.
   	Yes. Equivalent of 75% of interest earned if all my savings were in a savings account.
   	Yes. Equivalent of interest from placing all my savings in a savings account.

   
   

4. If you stopped working today, how long could you maintain your current lifestyle for?
   

   	More than 5 months
   	4 - 5 months
   	2 - 3 months
   	Less than a month

   
   

5. Do you expect to have any major financial commitments in the next three years (e.g., buying a house)? If yes, how much of your total life savings do you expect to use?
   

   	No major financial commitments
   	10 - 30%
   	30 - 50%
   	More than 50%

   
   
   Attitude to risk
   
   

6. Which best describes your personal outlook and attitude in life?

   	Go-getter. Easily bored, you like taking risks, constantly seeking new challenges and enjoy making tough decisions.
   	Occasional swinger. You are generally stable but have the occasional frivolous streak when you take limited risks just for fun. You don't mind making tough decisions if the situation arises.
   	Pragmatist. Stability is preferred but you accept some risk-taking as unavoidable if you are to improve your circumstances. You can make tough decisions but you don't enjoy making them.
   	Simple person. Stability is all-important. You avoid risks. You find it hard to make tough decisions and try to avoid them.

   
   

7. You feel comfortable with your savings rate and you appear on target to achieve most of your financial goals. Your savings are mainly in low-risk investments returning an average of 7% p.a. Now, in addition to your core savings, you have some spare cash equivalent to about three months gross salary for which you have no immediate use. What are you most likely to do?
   

   	Place the money in high-risk investments. You are keen to double the money in a year or less at the expense of losing most of it if things went wrong. After all, it is just spare cash.
   	Place the money in medium-high-risk investments. You seek higher returns than what you are currently achieving but do not want to lose more than 30% of it in a year.
   	Place the money in low-medium-risk investments. You seek higher returns than what you are currently achieving but do not want to lose more than 10% of it in a year.
   	Play safe. Stick to your existing investment formula.

   
   

8. After years of saving for a major holiday, you find you almost have enough. Your savings are now in fixed deposit (FD) accounts but you hear the stock market is booming. Confidence in the market appears to be high. Your friends say you can make enough money in the market to go for a more exclusive holiday than you had planned. What do you do?
   

   	Place all your money in hot stock tips given daily by your friends.
   	Place your money in hot tips, blue chip and FDs in equal proportion.
   	Place half your money in blue chip stocks and leave the rest where it is (FDs).
   	Leave all your money where it is (FDs).

   
   

9. You have followed the advice of a "stock market expert" in the media and invested 10% of your savings in stocks of a well-known blue-chip company. Within weeks of your purchase, the price drops by 30% due to the company's lower-than-expected profit growth. What is your reaction?
   

   	Not bothered at all. You intend to buy more.
   	A little upset but you soon forget about it. You intend to hang on to it for some years.
   	Upset; think about it frequently. You give it a year to recover, failing which, you'll sell.
   	Very upset. You sell it immediately.

   
   

10. Due to a recession, you have been offered a rare opportunity to invest in a business venture on very attractive terms. Although you know the business has excellent long-term prospects, there is no guarantee it can survive the recession. Your share of the investment is $x, which is equivalent to a quarter of your life savings. Should the venture fail during the recession, you will be required to inject another $x as fresh capital although it's eventual success would still depend on how long the recession lasts. You have stable job and no other major commitments. What are you likely to do?
    

    	Support the venture all the way. You are prepared to fork out $2x if required.
    	Invest just the $x. If the business fails, you are prepared to lose the $x and no more.
    	Decline the offer.